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Taking care of your physical and mental health
  • Generous cover in Asia, Australia and New Zealand or worldwide excluding the United States
  • Full cover for eligible expenses up to HK$40 million per year
  • No lifetime benefit limit, providing you with extraordinary cover that goes above and beyond
  • Provides enhanced benefits, medical check-up benefit, cashless service, optional benefits and more
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4 deductible options

Including HK$0, HK$12,000, HK$40,000, HK$80,000 to lower your premium

Up to 15% lifetime family discount
Cashless service

Use Bupa medical card to enjoy cashless service at designated private hospitals and service providers in Hong Kong or overseas

Eligible for tax deduction

This plan is certified as VHIS compliant. You can claim a tax deduction on qualifying premiums up to a limit of HK$8,000 per insured person each year

No waiting period

Cover starts immediately after your policy takes effect

Guaranteed lifelong renewal

Your premium will be based on your age only, no matter how many claims you've made


Benefit Features

Full cover for eligible medical expenses

Up to the annual benefit limit (HK$25 million, HK$30 million, HK$35 million and HK$40 million for the Advance, Advance Pro, Deluxe and Deluxe Pro plans)

Generous protection for cancer treatment

We'll waive your chosen deductible (if any) if you're diagnosed with cancer. Treatments such as chemotherapy, targeted therapy, immunotherapy and more are also fully covered up to your annual benefit limit

Mental health support

Full cover for inpatient psychiatric treatments, as well as a free 24-hour Mental Health Service Hotline which offers personalised emotional support and face-to-face counselling services

Covers unknown pre-existing conditions

as well as congenital conditions with symptoms appearing or diagnosed from age 8

Comprehensive care for a full recovery

Full cover for all related outpatient expenses within 90 days before or 365 days after confinement or day case procedure, as well as coverage for rehabilitation, consultation with a registered Chinese medicine practitioner, prosthetic device and so on

Outpatient surgery in hospitals and clinics

With no minimum length of stay, surgeries performed in a clinic or day case unit of a hospital are also covered

Medical check-up benefit

Receive a free comprehensive health assessment each year (for insured persons aged 18 or above) or claim up to HK$4,800 for check-up services, starting from the second policy year


Plan Options


Annual benefit limit


Area of cover

Asia, Australia and New Zealand

Premiums as low as

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Annual benefit limit


Area of cover

Asia, Australia and New Zealand

Premiums as low as

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Advance Pro

Annual benefit limit


Area of cover

Worldwide excluding the United States

Premiums as low as

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Deluxe Pro

Annual benefit limit


Area of cover

Worldwide excluding the United States

Premiums as low as

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This plan is suitable for all people, especially if you...


need high-end coverage so you don't have to worry about medical expenses in case of serious illnesses


need a plan with a deductible which can complement your group medical scheme


want to add on different optional benefits such as clinical, dental and optical, or critical illness coverage

Other Plan Details

Supplementary Critical Illness Benefit

If you're diagnosed with a critical illness, you may need to take time off work or even quit your job. This combined with the costs of treatment may affect your budget, your quality of life and even your family. Therefore, apart from medical protection, you should also consider adding the Supplementary Critical Illness Benefit to make up for any lost income and pay for your living expenses, such as mortgage, daily bills, child's tuition fees, etc. if you have a covered critical illness.

Bupa Supplementary Critical Illness Benefit provides worldwide coverage for up to 98% of all serious critical illnesses (see Remark 19), including 80 major critical illnesses (such as cancer, heart attack, stroke) and 5 early stage critical illnesses (see Remark 20). It also pays for an additional cancer claim if you're diagnosed with cancer (including recurrence or distant metastasis) after the major critical illness has been paid, so you can be worry-free and prepared for the unexpected. This benefit offers triple protection for up to 3 separate conditions at different times throughout your life—Major Critical Illness Benefit, Early Stage Critical Illness Benefit and Additional Cancer Benefit, with a lifetime benefit amount up to HK$3,300,000 in aggregate (see Remark 21).

Bupa safe

Based on the benefits of the Gold plan. Please refer to the Schedule of Critical Illness Benefits for the lifetime benefit amount of other plan options.

We know that patients who are diagnosed with cancer can be overwhelmed by ongoing treatments, complicated medical procedures and so on. The new Cancer Care Programme in our Health Coaching Services is designed to support members covered by Supplementary Critical Illness Benefit. Our qualified nurses and health management professionals will provide personalised follow-up throughout your cancer journey, emotional support and a variety of health information such as cancer care and dietary tips.

Clinical Benefit
Our Clinical Benefit is specially designed to include coverage for psychiatric-related treatments and psychological counselling, such as outpatient treatments for psychiatric, psychological, mental or behavioural conditions, senile dementia (including Alzheimer’s disease) and Parkinson’s disease. The Clinical Benefit also includes other items such as general practitioners, specialists, diagnostic imaging and laboratory tests, prescribed Western medication, physiotherapists, chiropractors, Chinese herbalists, Chinese bonesetters, etc.

If you’ve enrolled in the Clinical Benefit, you can also enjoy cashless treatment and full cover at network clinics and service providers (see Remark 18). What's more, you can enjoy video consultation services to consult our selected general practitioners through a video call comfortably and safely at home.
Dental and Optical Benefit
Includes dental treatments such as scaling and polishing, fillings and extractions, as well as optical expenses for consultation and contact lenses or one pair of glasses for optical correction per policy year (see Remark 12).
Maternity Benefit
Covers obstetrician's fees, hospitalisation charges, prenatal and postnatal check-up costs and nursery care for a newborn baby during hospital confinement.
24-hour Mental Health Service Hotline
This service is provided by Bupa's selected service providers and their team of qualified and experienced counsellors and clinical psychologists. Through the hotline, counsellors offer free emotional support and personalised advice. They can also arrange face-to-face counselling services with a clinical psychologist if needed (four times per Policy Year). Rest assured that all information provided will be kept in strict confidence (see Remark 4).
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Health Coaching Services

Our health coaching services offer a variety of personal healthcare support delivered by a team of appointed doctors, qualified nurses and health management professionals to minimise your worries (see Remark 13):

  1. 24/7 Healthline

    A team of qualified health management professionals will provide guidance on your health-related questions over the phone, with the support of doctors (see Remark 14).

  2. Care Manager

    Our Care Manager can be in touch with you to follow up on claims and assist you throughout treatment and recovery, from explaining your treatment plan and overseeing costs to arranging follow-up consultations. If you’re admitted to a local private hospital, our Care Manager will make a courtesy call or visit, with your consent.

  3. Second medical opinion

    We'll arrange for you to get medical advice from a panel of medical specialists to clarify your doubts and make informed decisions about treatment.

  4. Healthcare centre choices

    We can provide a list of clinics and hospitals based on your specific condition or needs for your reference.

  5. Chronic Conditions Programme

    Offers lifestyle coaching and management, including personal phone calls to help you manage any chronic condition such as diabetes.

  6. Non-emergency global healthcare support

    Locate suitable doctors, arrange medical appointments and support language translation either when you are in need overseas, or plan to travel for treatment.

  7. Appointment making

    We can help to make appointments with your selected healthcare service providers.

  8. Cancer Care Programme (only applicable to members covered under Supplementary Critical Illness Benefit)

    Our qualified nurses and health management professionals will provide personalised follow-up throughout your cancer journey, emotional support and a variety of health information such as cancer care and dietary tips.

Free Bupa Worldwide Assistance Programme
With the Bupa Hero VHIS Plan, you’ll also receive our free worldwide assistance programme. It provides medical support and assistance if you need help while overseas or in mainland China (see Remark 15).
Blua Health wellness app
Use our wellness app Blua Health to manage your health and get rewards! Through Blua Health, you can track your progress, book into wellness classes and read health tips from experts. You can also earn points to redeem rewards for healthy living. Download Blua Health now and start living healthy today!
Bupa's one-stop specialist treatment programmes
Bupa has set up a series of treatment programmes for members focusing on different specialities, providing personalised care and guidance through network providers and a health coaching team. Through these programmes, you can enjoy the following benefits:
  • Multiple specialties to meet different medical needs
  • Experienced health professionals to guide you from consultation through treatment and follow-up
  • Quality assured network clinics and facilities
  • Cashless service with eligible medical card
For each programme's eligibility and details, please check out Bupa's one-stop specialist treatment programmes page.
myBupa, customer service portal
  • Claims: File claims online; track and view claims status/details; provide information to resolve pending claims
  • Clinical Benefit Usage: Keep track of your claimed expenses and provider visits under Clinical Benefit (if applicable)
  • eMedical Card: Show your eMedical Card at network providers for cashless service*
  • Hospital eAdmission: Send your member information to your selected hospital upon admission*
  • Doctors Finder: Search for network doctors and clinics based on name, specialty, etc
  • Doctors Nearby: Locate the clinic on a map and get directions to the clinic from where you are
  • Member Documents: View and download your policy-related documents
  • Member Privileges: View and redeem special health and lifestyle offers exclusively for Bupa members
  • Member Profile: View your scheme details; update your contact information online
  • Direct access to Quality HealthCare Medical Services (QHMS)’s mobile app
*For selected insurance schemes only.
24/7 Customer Care Helpdesk
Available 24 hours every day, our Customer Service team will directly answer your policy-related questions (see Remark 16).
For new application or renewal from 1 April 2023
Advance / Deluxe - HK$0 Deductible
Advance / Deluxe - HK$12,000 Deductible
Advance / Deluxe - HK$40,000 Deductible
Advance / Deluxe - HK$80,000 Deductible
Advance Pro / Deluxe Pro - HK$0 Deductible
Advance Pro / Deluxe Pro - HK$12,000 Deductible
Advance Pro / Deluxe Pro - HK$40,000 Deductible
Advance Pro / Deluxe Pro - HK$80,000 Deductible

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Bupa Hero
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  • Asia, Australia and New Zealand means Hong Kong, Australia, New Zealand, Thailand, Japan, Malaysia, Macau, Taiwan, South Korea, Singapore, Afghanistan, Bangladesh, Bhutan, Brunei, Cambodia, mainland China, India, Indonesia, Kazakhstan, Kyrgyzstan, Laos, Maldives, Mongolia, Myanmar, Nepal, North Korea, Pakistan, the Philippines, Sri Lanka, Tajikistan, Timor-Leste, Turkmenistan, Uzbekistan and Vietnam.
  • For eligible expenses covered under the certified plan but incurred outside your chosen area of cover, benefits shall only be payable according to the VHIS Standard Plan Terms and Benefits. Please refer to the Policy for details.
  • Please refer to the Summary of Benefits for the items eligible for full cover. Full cover is only applicable to covered expenses and subject to the annual benefit limit, deductible and restricted ward class set out in the Summary of Benefits.
  • The 24-hour Mental Health Service Hotline is applicable to insured persons aged 18 or above. Insured persons aged below 18 must be accompanied by the Policy Holder or guardian to use this service. Terms and conditions apply.
  • Cashless service is not applicable to items (k) and (l) listed under 1) Basic Benefits and items (c) – (j) listed under 2) Enhanced Benefits in the Summary of Benefits for the Certified Plan. Your medical card is not applicable to the outpatient department of a local private hospital. For overseas hospitalisation, you can enjoy cashless service by calling Bupa to make the necessary arrangements. You need to follow the required procedures and obtain pre-authorisation from Bupa to enjoy cashless service.
  • Designated private hospitals for cashless service include Canossa Hospital (Caritas), CUHK Medical Centre, Evangel Hospital, Gleneagles Hong Kong Hospital, Hong Kong Adventist Hospital - Stubbs Rd., Hong Kong Adventist Hospital - Tsuen Wan, Hong Kong Baptist Hospital, Hong Kong Sanatorium & Hospital, Matilda International Hospital, Precious Blood Hospital (Caritas), St. Paul's Hospital, St. Teresa's Hospital and Union Hospital. This list is subject to change from time to time.
  • Please log in to Bupa's customer service portal myBupa to view the latest list of Bupa Hero appointed service providers. This list is subject to change from time to time.
  • Bupa will directly pay your eligible medical expenses to the hospitals and service providers subject to the credit limit stated in your pre-authorisation letter and the benefit limit available under your Policy. You will need to reimburse Bupa for any ineligible medical expenses and selected deductible, if any.
  • Bupa guarantees that your cover can be renewed every year for life, as long as you meet the requirements as stated in the renewal provisions of your policy terms and conditions.
  • Any Hong Kong taxpayer who has purchased an eligible health insurance plan (certified by the Health Bureau as VHIS) can claim a tax deduction on qualifying premiums up to HK$8,000 per insured person each year. The relationship between the taxpayer and the insured person must be included in the list of “specified relatives” in Inland Revenue Ordinance (Cap. 112). You can claim the deduction in the same tax year when the premium was paid. The deduction is available for certified plans, but not any other optional benefits, with policy effective date of 1 April 2019 or later. There is no limit on the number of insured persons and/or policies claimed by each taxpayer. Policies purchased for a domestic partner, grandchild(ren) or domestic partner’s parents/children are not eligible for tax deduction. For details about tax deduction, please visit
  • Optional benefits are not part of the VHIS certified plan. The premiums paid are not eligible for claiming tax deduction and any family discount.
  • Optional Dental Benefit is available for both Advance and Deluxe plans. Optional Optical Benefit is only offered for Deluxe plans.
  • Items 1 – 7 under Health Coaching Services are available for customers who select the Deluxe plans. Those who select the Advance plans can access items 1 – 5 only. Those who have added Supplementary Critical Illness Benefit can enjoy all items 1 – 8 regardless of choosing the Deluxe or Advance plans. The use of Health Coaching Services is free of charge but you may need to pay for recommended services not covered under your Policy. Terms and conditions for Health Coaching Services apply.
  • Doctors will be available during scheduled office hours to support the nurses in answering enquiries. Office hours: Mon – Fri, from 9am to 6pm (Hong Kong time), except public holidays.
  • The Free Bupa Worldwide Assistance Programme is not part of the VHIS Certified Plan. Please inform Bupa in writing if you don’t want to receive this free benefit.
  • During office hours (9am to 7pm, Monday to Friday, except public holidays), we are pleased to answer all your enquires. Outside office hours, we can provide the following:
    a. Bupa appointed service providers,
    b. Your coverage details,
    c. Claims procedures and other administration procedures, and
    d. Claim forms.
  • Family discount will be applied to the standard premium and premium loading of the certified plan only, but not any other optional benefits under the Bupa Hero VHIS Plan. The discount will be valid as long as the eligible family members are all covered under a Bupa Hero VHIS Plan at the same time.
  • To enjoy full cover, you must visit Bupa Hero appointed service providers under the Network Benefit, subject to the maximum number of visits per policy year and the overall annual limit. Please refer to the Benefit Schedule for details.
  • The 85 critical illnesses covered under the critical illness basic benefits and optional Extended Major Critical Illness Benefit of the Supplementary Critical Illness Benefit include 98% of designated critical illnesses in 10Life's Scoring Methodology of Term Critical Illness Insurance. Exclusions and waiting periods apply. Please refer to the contract for the terms and excluded conditions.
  • Supplementary Critical Illness Benefit covers 3 major critical illnesses and 5 early stage critical illnesses under the critical illness basic benefits. You can also add Extended Major Critical Illness Benefit to include a total of 85 covered critical illnesses.
  • Waiting periods apply between payment of benefit items. Additional Cancer Benefit is also subject to active cancer treatment requirements. Please refer to the Important Information section of the Supplementary Critical Illness Benefit brochure for details.
The above summary of our insurance products is for reference only. It is not, and does not form part of, a contract of insurance and is designed to provide an overview of the key features of these products. All terms and benefits are subject to the Policy. Please refer to the Policy for details.
Common questions See all
How to choose a VHIS plan?
As there are many VHIS plans available, we should not merely compare the premiums but pay more attention to the details to select a VHIS plan with a higher price–performance ratio... Read more
What's the difference between medical and critical illness insurance?
Many people are unsure about the differences between medical insurance and critical illness insurance. While they both provide protection for the insured, the two actually serve different purposes... Read more
What is a deductible?
A deductible is the portion of eligible medical expenses paid by the subscriber up to an agreed amount before the insurance company starts to pay for expenses over that amount in a claims settlement... Read more
What is hospital cash insurance?
Hospital cash gives you cash compensation when you are hospitalised, protecting you against the loss of income. A standalone hospital cash benefit plan is payable according to the amount of your daily sum insured... Read more
What is loading?
Loading is a term used in the insurance industry to refer to the extra charge added to the subscription at renewal due to previous claims made by the subscriber... Read more
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